How many degrees are you planning on getting== and if money and debt is an issue, why, why, why?
You don’t need a BA AND a “strong one-year masters program outside of NYU” AND a deferred MBA application. All the while struggling to pay down your undergrad debt, plus incurring more with every degree.
If you were my kid I’d tell you to slow down. Focus on undergrad. You already have an internship lined up for the summer- terrific. Knock the cover off the ball. You have no idea what the economy will look like in July (if you believe Jamie Dimon, we’re likely to be in a recession) so focus on what you can control. Get the very best, most rigorous education you can possibly get right now– where you are currently enrolled. Worry about MBA’s and one year Masters and all that jazz down the road.
There are no guarantees. Even if your internship employer says “show up and we’ll make you an offer for next summer”- do your homework on what happened in 2009/2010 when offers were retracted left and right. Just knuckle down, take the most interesting, hardest classes you can handle, become the best student that you can be. Business School isn’t going away.